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$215,000

38831 NORTH AVENUE, ZEPHYRHILLS, FL 33542

3D Tour

Active139 days on market

Beds

Baths

Sq Ft

1,000 sq ft

Year Built

1976

Lot Size

0.18 acres

Garage

About This Property

Charming 3-bedroom home located within the city limits offering an excellent opportunity for first-time homebuyers, investors, or anyone looking to enjoy convenient access to downtown Zephyrhills amenities. This home features durable tile flooring throughout, updated windows, a roof installed in 2019, and a new A/C system for added peace of mind. Additional highlights include an indoor laundry area, an enclosed rear workshop perfect for hobbies or storage, a fenced backyard, and an additional storage shed. This property may also qualify for USDA financing, which offers eligible buyers the opportunity for 100% financing with no down payment requirement, subject to lender approval and buyer qualification. Additional special financing opportunities and first-time homebuyer assistance programs may also be available for qualified buyers. The adjacent corner vacant lot may also be available for separate purchase, offering additional flexibility and future potential. Buyer to verify all measurements, zoning, future land use, property details, and eligibility requirements for any city, CRA, USDA, lender, grant, or assistance programs.

Property Overview

Property TypeResidential

Sub TypeSingle Family Residence

MLS #TB8464427

StatusActive

Year Built1976

Stories1

Total Rooms8

ConstructionWood Siding

RoofShingle

FoundationSlab

FacesSouth

SubdivisionPARK HILL SUB

CountyPasco

OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, Primary Bedroom Main Floor, Thermostat

FlooringTile

AppliancesBuilt-In Oven, Cooktop, Dishwasher, Dryer, Microwave, Refrigerator, Washer

LaundryInside

CoolingCentral Air

HeatingElectric

Exterior & Lot

ExteriorDog Run

FencingChain Link

Lot Size0.18 acres (7,995 sq ft)

Road SurfaceAsphalt

Utilities

WaterNone

SewerPublic Sewer

UtilitiesCable Available, Electricity Connected, Phone Available, Public, Sewer Connected, Water Connected

Parking

GarageYes (1 spaces)

HOA & Community

HOANo

Senior CommunityNo

Financial Details

List Price$215,000

Original Price$225,000

Annual Taxes$819 (2024)

FinancingCash, Conventional, FHA, USDA Loan, VA Loan

ZoningR2

Parcel #0226210180000000470

Schools

ElementaryWoodland Elementary-PO

MiddleRaymond B Stewart Middle-PO

HighZephryhills High School-PO

Directions

From US-301, turn east onto North Avenue. Continue on North Avenue; the property will be located on the left-hand side at 38831 North Ave.

Location

38831 NORTH AVENUE, ZEPHYRHILLS, FL 33542

Listing Information

OfficeCOLDWELL BANKER AQUATERRA REALTY

ListedJanuary 14, 2026

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Home Price

$215,000

Down Payment20% ($43,000)

Interest Rate6.75%

Loan Term

Principal & Interest$1,116

Property Tax (est.)$197

Insurance (est.)$150

Total Monthly$1,463

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Nearby Schools

Elementary School

Woodland Elementary-PO

View on GreatSchools →

Middle School

Raymond B Stewart Middle-PO

View on GreatSchools →

High School

Zephryhills High School-PO

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How to Buy This Home

Multiple financing options available for this $215,000 home in ZEPHYRHILLS.

🏛️

FHA Loan

$7,525 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$10,750 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Pasco County SHIP

Varies

Income-qualifying Pasco residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

Full Calculator →First-Time Buyer Guide →VA Loan Guide →

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. IDX information is provided exclusively for consumers' personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated: July 13, 2026.